Basic cover
- Sudden, unforeseen breakage
- Loss / inherent defect
- Damage
- Material or casting defect
Valuables and mobile electronics insurance through Ansvar Idea
This policy insures named items for an agreed value: a ring, a watch, a camera or a laptop, anywhere in the world and also when you drop them yourself.
- several insurers compared objectively
- 9.5 customer rating for a new policy
- AFM licence 12016589
- Personal 072 - 509 24 56, weekdays 9–17
This page in another language: Nederlands
Work out for yourself what it would cost.
Enter your details; you will receive a proposal within one working day.
- We compare the offerings of several insurers
- An adviser checks whether the cover suits your situation
- We arrange the switch, including cancellation
A premium indication, not personal advice. Prefer to talk it through? Call 072 - 509 24 56.
- Independent advice
- Several insurers
- Switching arranged
- Help with claims
In brief
Valuables and mobile electronics insurance is all risks cover on named items. Each item appears on the policy with a description and a value and is covered against damage, theft and loss, wherever in the world you have it with you. Mobile electronics such as a phone, tablet, laptop and smartwatch often have a section of their own, because daily use and rapid depreciation give a different risk profile from jewellery.
For jewellery, watches, art and antiques you work with an agreed value valuation. An appraisal by an expert establishes the value in advance; Article 7:960 DCC gives such an advance appraisal binding force, so that after a theft the value is not negotiated all over again. Without an appraisal or a purchase invoice, all that is left after a loss is an estimate, and that rarely works out in your favour.
On a home contents insurance sub-limits apply to jewellery and equipment, and that cover stops the moment you step out of the door. That is exactly the gap this policy fills. If you own a larger collection, the route through high-value valuables or a separate valuables insurance is more suitable; we look at which set-up matches what you own.
Independent, personal, sorted quickly
We compare your electronics insurance across dozens of insurers, explain where the real differences lie, and arrange the switch from start to finish — without you having to chase it yourself.
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Through Finass or direct with Ansvar Idea?
The structure of the cover in three parts, with an overview per situation below.
Extended cover
Alongside breakage damage, also short circuit, overheating, operating and assembly errors.
- Damage & your own accidents & power surges
- Worldwide cover
- Operating & assembly errors
- Loss of fluid or oil from the machine
Comprehensive cover
The most complete cover. We compare Ansvar Idea's extended version with the market.
- Cameras & musical instruments on the machine
- Appraised value guaranteed for machines
- Clearance & dismantling costs
- Sets & collections
What is covered
| Situation | Extended | Comprehensive |
|---|---|---|
| Fire, smoke and water damage in the home | Yes | Yes |
| Theft after forced entry | Yes | Yes |
| Knocks and falls at home | No | Yes |
| Loss or theft away from home | Provided that | Provided that |
| Damage during transport, repair or exhibition | Provided that | Provided that |
| Wear, shrinkage, damp and insect damage | No | No |
A home contents policy has sub-limits: for jewellery, audiovisual equipment and collections a lower limit applies than for the rest of the contents. If your items exceed that, you insure them separately on a valuables policy, usually on the basis of a valuation (7:960 DCC). Underinsurance leads to a proportionately lower payout.
What we do
| What we do | At Finass | Direct with Ansvar |
|---|---|---|
| Comparison across several insurers | Yes | No |
| Advice based on your own situation | Yes | Sometimes |
| One point of contact for claims | Yes | Sometimes |
| Cancellation with your current insurer arranged | Yes | No |
| We determine whether Ansvar is the best choice | Yes | No |
| Advice fees for you as a customer | No | No |
This overview concerns our service, not the cover. What is actually covered is set out in the policy conditions and on the insurer's insurance card (verzekeringskaart); you receive both before you take out cover.
What does your premium depend on?
- Nature and number of the items. Jewellery, watches, cameras and laptops each carry their own risk of theft and breakage.
- Agreed or evidenced value. The agreed value per item forms the basis. A recent appraisal prevents discussion.
- Area of cover. The Netherlands only, Europe or worldwide, including longer stays abroad.
- How items are worn and kept. Daily wear weighs more heavily than keeping items in a safe; safe requirements may be set.
- Sections chosen. Valuables only, mobile electronics only, or both with separate conditions per section.
- Excess and claims history. For electronics a separate excess per event often applies, alongside earlier claims.
Insurers weigh these details differently. That is where your saving is.
How we arrange it
- You request a quoteWe take stock of your situation, your risk and your wishes.
- We compareseveral insurers, on premium as well as conditions.
- You receive a proposalWith an explanation of the differences and the exclusions.
- We arrange the switchIncluding cancellation, so there is no gap in cover.
Why arrange it through Finass Verzekert?
We look at the terms as well as the premium, and stay your point of contact when there is a claim.
Independent
We are not tied to one insurer and compare on the basis of an objective analysis of several companies.
One fixed adviser
You call or email someone who knows your file. No menu options, no changing call centres.
Switching without hassle
We cancel your old policy and align the start date, so you are never a day without cover.
Help with claims
We report the claim and monitor how it is handled. In urgent cases you can reach us on the emergency line.
9.5New policy
9.8Claims handling
Customers rate our service on four aspects: personal service, service delivery, availability and the outcome. The reviews are collected and published by NH1816 and come from customers who have actually taken out a policy with Finass Advies B.V. or reported a claim.
Where things go wrong in practice
Four points that make the difference between a policy that pays out and one that does not.
What loss means exactly
Insurers distinguish between theft, damage and loss. Disappearance without an identifiable cause, so a ring that has simply gone, is the most difficult element: not every version includes it and sometimes a separate maximum applies. Check this point expressly, because with jewellery and earphones unexplained disappearance is the most common claim.
The screen, moisture and everything behind it
A broken screen or moisture damage is usually covered with mobile electronics. What is not covered: the loss of your data, the costs of reinstallation, subscriptions that keep running, software errors and the gradual decline in battery capacity. Cosmetic scratches and dents that do not affect operation are not paid either. The cover concerns the device, not what was on it.
Leaving items unattended and theft from a car
Almost all policy conditions require you to carry valuables with you or keep them in a locked space. Theft from a parked car, from a hotel room without a safe or from an unattended table in a cafe is limited or not paid. Always report it to the police straight away and report the claim as soon as possible, as Article 7:941 DCC requires.
Inherent defects and business use
A stone falling out of a worn setting, a clasp giving way through wear or a manufacturing fault in a device is not a sudden event from outside. For a defective product the route runs to the supplier or to the rules in Article 6:185 DCC. If you use equipment professionally, say so; otherwise a private policy may fail on that point.
Value & stock
Machinery & installations
Frequently asked questions
This is what people ask us most.
Do I need a valuation report?
For jewellery, watches and art that is sensible and above a certain value often compulsory. An advance appraisal by an expert establishes the value beforehand and, under Article 7:960 DCC has binding force when the claim is settled. For electronics the purchase invoice with the serial number is usually enough, because the replacement value as new is easy to establish there.
Is my phone with a broken screen covered?
If the mobile electronics section is included, yes: a broken screen is sudden damage. An excess usually applies and sometimes a deduction based on the age of the device. Not paid are loss of data, the costs of setting the device up again and cosmetic scratches that do not affect operation.
Does the cover also apply on holiday?
Yes, as long as the destination falls within the agreed geographical limits. That is the difference from a home contents policy, which stops at the front door. Do note the usual requirements of care: valuables belong in a hotel safe or with you, not in hold luggage or in a parked hire car.
What if a stone falls out of my ring?
That depends on the cause. If you knock the ring hard against something, there is a sudden event from outside and the damage is covered in principle. If the setting comes loose through wear, that is an inherent defect and there is no payment. Having the setting checked periodically avoids that conversation.
Read more
Within Inventarisverzekering
- Inventarisverzekeringthe main page
- De goudse zakelijk elektronicaverzekering
- Allianz zakelijk elektronicaverzekering elektronica maatwerkverzekering
- Avero achmea handelsvoorraadverzekering
- Allianz zakelijk kantoor en winkelelektronicaverzekering
- Nationale nederlanden zakelijk computer en elektronicaverzekering
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Ready to compare?
Request a quote without obligation. We will look at which insurer best matches your activities and your risk.
Prefer to call? 072 - 509 24 56, weekdays 09:00–17:00.
Claim on the road? Emergency line 06 - 55 20 40 72.
About our service
Finass Verzekert is a trading name of Finass Advies B.V. We advise on and arrange non-life insurance on the basis of an objective analysis of several insurers, and receive commission for this from the insurer, which is included in the premium. You pay no separate advice fee. Before you take out cover, we establish your wishes and needs.
You will find our licence, KvK and Kifid details and our complaints procedure at the foot of every page.
This page was compiled by Finass Verzekert (LinkedIn). Last updated on .
The information on this page is general in nature and is not personal advice.